'2005 Business Forecast': An Irvine Chamber of Commerce Event.

EVENT NAME:  2005 Business Forecast presented by Option One Mortgage
             Corp.

EVENT TYPE:  Business

DATE:        Friday, Jan. 28, 2005

TIME:        7:00 a.m. check-in
             7:30 a.m. to 9:30 a.m. program

CONTACT:     Please call Rachel Larson at 949-660-9112 ext. 128 for
             reservations.

LOCATION:    Hilton Irvine/Orange County Airport (18800 MacArthur
             Blvd., Irvine, CA)

COST:        Irvine Chamber Members: $550 for tables of 10, $50 for
             individuals
             Irvine Chamber Visitors: $700 for tables of 10, $65 for
             individuals

DESCRIPTION: The Business Forecast presented by Option One Mortgage
             Corp. is a unique concept in that panelists for the event
             digest the economic information, evaluate it and pull out
             the most important information that affects CEOs and
             business owners. Confirmed speakers include Wayne Inouye,
             President and CEO of Gateway Inc., Tim Strader Jr.,
             President and Managing Principal of Starpointe Ventures,
             and John R. Gibson, M.D., Senior Vice President Global
             Development of Allergan. Guests will also learn what
             company has been named Business of the Year. Visit
             www.irvinechamber.com/businessforecast for more
             information.

SPONSORS:    Option One Mortgage Corp.
             Hoag Hospital
             Churm Publishing Inc.